Deposit Rates

Certificates of Deposit
Rates apply to both Consumer and Business accounts.
Term Minimum Balance
Required to Open 		Interest Rate APY*
3 Months Fixed $1,000 + 0.75% 0.75%
6 Months Fixed $1,000 + 1.00% 1.00%
12 Months Fixed $1,000 + 1.49% 1.50%
18 Months Fixed $1,000 + 1.49% 1.50%
24 Months Fixed $1,000 + 1.88% 1.90%
36 Months Fixed $1,000 + 2.03% 2.05%
48 Months Fixed $1,000 + 2.23% 2.25%
60 Months Fixed $1,000 + 2.47% 2.50%

 

Money Market Account
Rates apply to both Consumer and Business accounts.
  Minimum Balance
Required to Obtain APY 		Interest Rate APY*
Tier 1 $2,500 to $49,999 1.00% 1.00%
Tier 2 $50,000 to $99,999 1.00% 1.00%
Tier 3 $100,000 to $999,999 1.24% 1.25%
Tier 4 $1,000,000 + 1.24% 1.25%
Minimum opening deposit required for Personal MMA is $1000; Business MMA is $25,000.

 

Savings
  Minimum Balance
Required to Obtain APY 		Interest Rate APY*
Personal Regular Savings $500 + 0.75% 0.75%
Junior Savings N/A 0.75% 0.75%
Business Regular Savings $1,000 + 0.75% 0.75%
Minimum opening deposit required for Personal Savings is $100; Junior Savings is $50; Business Savings is $500.

 

Interest Checking
  Minimum Balance
Required to Obtain APY 		Interest Rate APY*
Personal Interest Checking (NOW) $1,000 - $2,499 0.25% 0.25%
$2,500 + 0.75% 0.75%
Business Interest Checking /Super Now Account (Sole Proprietorship & Non-Profit Corporations only) $1,000 - $2,499 0.25% 0.25%
$2,500 + 0.75% 0.75%
Health Savings Account (HSA) 100+ 0.75% 0.75%
Minimum opening deposit required for Personal NOW is $100; Business NOW is $500; HSA is $100.

 

IRA (Roth & Traditional)
  Minimum Balance
Required to Obtain APY 		Interest Rate APY*
6 Months Fixed $1,000 + 1.00% 1.00%
12 Months Fixed $1,000 + 1.24% 1.25%

 

Certificates of Deposit - Consumer Only
Rates apply to Consumer accounts only. Allows two principal withdrawals without penalty. Account is closed when balance falls below $10,000.
FLEX CD Required to Open Interest Rate APY*
12 Months $50,000 - $220,000 1.00% 1.00%
24 Months $50,000 - $220,000 1.24% 1.25%

 

This disclosure contains information about interest rates for certificates of deposit, interest checking,
savings and money market accounts. Fees could reduce the earnings on an account. Rates may change
after account opening on interest checking, savings and money market accounts. All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal. Interest rates and *annual percentage yields were last changed on May 17, 2010. Interest rates are subject to change without prior notice. For current rate information, please contact us.